Standardizing the operation behavior of credit card business is not only related to the vital interests of the people and meets the expectations of the people, but also the proper meaning of promoting the high-quality development of credit card business. "Banking financial institutions should formulate a prudent and stable credit card development strategy," "strengthen the credit review of credit card customers," and "strictly regulate the management of credit card installment business"... Not long ago, the China Banking and Insurance Regulatory Commission The people's Bank of China has issued the notice on further promoting the standardized and healthy development of credit card business (hereinafter referred to as the notice), which puts forward clear requirements in terms of strengthening the operation and management of credit card business, strictly regulating the marketing behavior of card issuance, strictly credit management and risk control, aiming at standardizing the operation behavior of credit card business, improving the quality and efficiency of credit card services, Promote the credit card business to better support scientific and rational consumption in the high-quality development. From convenient consumption and payment to "holiday gift bags" that can be exchanged with points; From the discount for shopping with the card to the road rescue, airport pick-up and other services for the card... In recent years, the additional functions of the credit card have been continuously expanded, and the application value has been increasing. It has been favored by many consumers, which has promoted the rapid development of the credit card business. Statistics released by the people's Bank of China show that by the end of last year, there were 800 million credit cards and debit and credit cards. The popularity and development of credit cards have played an important role in facilitating people's payment and daily consumption. However, it should also be noted that with the continuous growth of the credit card market, some banking financial institutions have extensive business concepts, weak service awareness, inadequate risk control, and violations of the legitimate rights and interests of customers. According to the data released by the China Banking and Insurance Regulatory Commission, in the fourth quarter of last year, nearly half of the consumer complaints in the banking industry were related to credit card business. In this regard, it is imperative to standardize the operation behavior of credit card business, which is not only related to the vital interests of the masses and conforms to the expectations of the people, but also the proper meaning of promoting the high-quality development of credit card business. The specific contents of this "notice" can be said to be targeted. For example, banking financial institutions with a long-term sleep card rate of more than 20% are required not to issue new cards, and the rigid requirements form a constraint on the business development model of some institutions based on the amount of cards issued; It is clear that "when showing customers the cost of using the funds collected by the installment business, the interest form shall be adopted in a unified manner, and the corresponding interest calculation rules shall be specified, and the form of handling fees and other forms shall not be adopted", which is conducive to enabling consumers to "understand the use of cards and spend with peace of mind". Implementation is the key to good policies. Next, the regulatory authorities need to continue to strengthen the risk identification and disposal of credit card business, and strengthen the extended monitoring of credit card business related activities. As far as financial institutions are concerned, they should also fully perform their main responsibilities and conscientiously conduct self-examination and self correction according to relevant requirements. The notice not only comprehensively regulates the credit card business, but also brings new opportunities for transformation and development. For example, in order to adapt to the upgrading changes of consumer financial needs, the notice proposes to explore innovative models such as online credit card business. Relevant institutions can take this opportunity to explore and improve the ability of remote face-to-face signing, optimize business process management, and perfectly match market changes and customer needs in digital scene applications. This will also become an important attempt for the bank to deepen the digital transformation and improve the quality and efficiency of operation. Predictably, with